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<p class="MsoNormal">Brent, first off, sorry for the loss of your mother <span style="font-family:"Segoe UI Emoji",sans-serif">
☹</span><o:p></o:p></p>
<p class="MsoNormal">Yep – that’s BECU’s dirty little secret. All those friendly TV ads are just BS (insert grimace face emoji).
<o:p></o:p></p>
<p class="MsoNormal">Buried DEEP within their account agreements is a cross collateralization provision allowing them to seize anything and everything upon a “default.” And the best part? Death is an act of default! At least that was the case the last time
I had this come up and finally pried a copy of the agreement out of them. And, it’s not a prominent provision. It is tucked in something else and the wording made it seem very benign. I don’t think the average person would even take notice.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Practicing in King Co, we all see a lot of generational Boeing families. On the planning side, like Michael said, I let clients know this provision exists and to consider separating their BECU debt from their significant financial resources
and taking the wealth somewhere else. <o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">I first had this come up with an estate that was cash poor. The mother had worked for Boeing and maintained a small checking & savings and of course, the obligatory BECU credit card. She then got a HELOC. My client, her son, was a METRO
bus driver and his wife a waitress. They were living pay check to pay check and could not afford to pay that extra mortgage until the house got sold. BECU seized the checking and savings and paid off the minor credit card debt. Despite being over secured
on the HELOC by tens of thousands of dollars, they would not let loose of the cash. Fate, however, smiled down on my client. As he was cleaning out her house, he came across a scroddie Efferdent denture soaking box (insert yuck face emoji). He picked it up
to throw out, but something inside rattled (and it wasn’t Ma’s false teeth). It was a valuable diamond ring! He was able to sell that ring and keep the estate’s bills paid until the house sold. Never a dull moment in this profession!
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Have a great Tuesday! <o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><span style="font-family:"Script MT Bold"">Jennifer L. White, Esq.</span>
<span style="font-family:"Script MT Bold""><o:p></o:p></span></p>
<p class="MsoNormal"><img width="105" height="105" style="width:1.0958in;height:1.0958in" id="Picture_x0020_1" src="cid:image001.jpg@01D9A8E5.E1BDF4C0"><o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><a href="mailto:jen@appletreelaw.com"><span style="font-family:"Arial Rounded MT Bold",sans-serif;color:#0563C1">jen@appletreelaw.com</span></a><i><span style="font-family:"Arial Rounded MT Bold",sans-serif"><o:p></o:p></span></i></p>
<p class="MsoNormal"><span style="font-family:"Arial Rounded MT Bold",sans-serif">2200 S 76<sup>th</sup> Ave<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial Rounded MT Bold",sans-serif">Yakima, WA 98903<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Arial Rounded MT Bold",sans-serif">509.225.9813<o:p></o:p></span></p>
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<p class="MsoNormal"><b>From:</b> wsbapt-bounces@lists.wsbarppt.com <wsbapt-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Rebecca King<br>
<b>Sent:</b> Tuesday, June 27, 2023 9:36 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBAPT] BECU and Creditor Claim<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">BECU has language in their lending documents that say that BECU can freeze or collect from any accounts at BECU at death. Credit Unions can do this. I’ve had several estates in which BECU has pulled funds from decedent’s checking/savings
accounts, completely circumventing the creditor claim process.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal" style="text-autospace:none">Warmest regards,<o:p></o:p></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:14.0pt;font-family:"Script MT Bold";color:black">Rebecca King</span><o:p></o:p></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;font-family:"Book Antiqua",serif;color:black">Attorney</span><o:p></o:p></p>
<p class="MsoNormal" style="text-autospace:none"><span style="font-size:10.0pt;font-family:"Book Antiqua",serif;color:black"> </span><o:p></o:p></p>
<p class="MsoNormal" style="text-autospace:none"><b><span style="color:black">Northwest Elder Law Group</span></b><o:p></o:p></p>
<p class="MsoNormal" style="text-autospace:none"><span style="color:black">2150 N. 107<sup>th</sup> Street, Suite 501<o:p></o:p></span></p>
<p class="MsoNormal" style="text-autospace:none"><span style="color:black">Seattle, WA 98133</span><o:p></o:p></p>
<p class="MsoNormal" style="text-autospace:none"><span style="color:black">Main: (206) 937-6102</span><o:p></o:p></p>
<p class="MsoNormal" style="text-autospace:none"><span style="color:black">Direct Line and Fax: (206) 866-6544</span><o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><i><span style="font-family:"Book Antiqua",serif;color:black">Providing Services in Elder Law<o:p></o:p></span></i></p>
<p class="MsoNormal"><span style="color:black"> <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:8.0pt;font-family:"Book Antiqua",serif;color:black">CONFIDENTIALITY NOTICE: This e-mail message, including any attachments, is for the sole use of the intended recipient(s) and may contain confidential and privileged
information protected by law. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message.</span><span style="font-size:8.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><b>From:</b> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com">
wsbapt-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a>>
<b>On Behalf Of </b>Brent Williams-Ruth<br>
<b>Sent:</b> Tuesday, June 27, 2023 8:50 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br>
<b>Subject:</b> Re: [WSBAPT] BECU and Creditor Claim<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">There was one BECU credit card and one checking/savings that is required to have any account at BECU. I am prepared to just leave the under $200 in the checking/savings but I will not be providing
any further information for an unsecured credit card where they got the NTC with a cover letter that provided the account number. <o:p></o:p></span></p>
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<p><b><span style="font-family:"Times New Roman",serif">Brent Williams-Ruth</span></b><span style="font-family:"Times New Roman",serif"> (pronouns: he/him)<br>
<i>Attorney-At-Law</i></span><o:p></o:p></p>
<p><b><span style="font-family:"Times New Roman",serif">Law Offices of Brent Williams-Ruth, </span></b><b><span style="font-size:7.5pt;font-family:"Times New Roman",serif">a division of BWR Consulting, PLLC</span></b><o:p></o:p></p>
<p><b><span style="font-family:"Times New Roman",serif">Physical Address: 500 S 336th Street, Suite 214; Federal Way, WA 98003</span></b><o:p></o:p></p>
<p><b><span style="font-family:"Times New Roman",serif;color:red">**EFFECTIVE IMMEDIATELY**</span></b><b><span style="font-family:"Times New Roman",serif"> All mail sent through the USPS should be sent to the following address: PO BOX 3319; Federal Way, WA
98063 </span></b><o:p></o:p></p>
<p><span style="font-family:"Times New Roman",serif">Office/Scheduling Phone:<span style="color:#004080"> </span><span style="color:red">(253) 285-7751</span></span><o:p></o:p></p>
<p><span style="font-family:"Times New Roman",serif">Direct:<span style="color:red"> (253) 285-7453</span></span><o:p></o:p></p>
<p><a href="mailto:Brent@Williams-RuthLaw.com" target="_blank"><span style="font-family:"Times New Roman",serif">e-mail</span></a><span style="font-family:"Times New Roman",serif"> / </span><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.williams-2Druthlaw.com_&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=kDcM-fraYQNOZ1rCslLoMSSRXJQXmQVvRJbE6ymQGho&m=IBzLZmyKQ5Rb3yTRb4qHogGb3vDSLNwlSaizjolaroI6d2YEBatdq6D3plhwDkSK&s=CyVdkW_RWOE0ekx7Bio9Bv4f3rYRys9WlzcBKixH2cs&e=" target="_blank"><span style="font-family:"Times New Roman",serif">website</span></a><span style="font-family:"Times New Roman",serif"> /</span><span style="font-size:9.5pt;font-family:"Times New Roman",serif"> </span><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.facebook.com_bwrlaw&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=kDcM-fraYQNOZ1rCslLoMSSRXJQXmQVvRJbE6ymQGho&m=IBzLZmyKQ5Rb3yTRb4qHogGb3vDSLNwlSaizjolaroI6d2YEBatdq6D3plhwDkSK&s=2aMDercI4dUptgc-4LBxBtckU8oe5wFhSJORkg_0vCk&e=" target="_blank"><span style="font-size:9.5pt;font-family:"Times New Roman",serif">facebook</span></a><span style="font-size:9.5pt;font-family:"Times New Roman",serif"> / </span><o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal">On Mon, Jun 26, 2023 at 7:16 PM David Moe <<a href="mailto:davidmoe@maplevalleylaw.com">davidmoe@maplevalleylaw.com</a>> wrote:<o:p></o:p></p>
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<p class="MsoNormal"><span style="color:black">By any chance is BECU a secured creditor as to the debt in question—and does the estate (incl. non-probate estate) include funds in BECU CD or share or checking accounts? BECU (and perhaps other credit unions)
may claim to have a right to freeze or to enforce a set-off as to decedent's assets in BECU accounts. I don't believe commercial banks enjoy the same right. The right of set-off might put BECU in a "secured-creditor" status. Secured creditor status would
allow BECU to ignore the mailed NTC and to verify their offset claim. <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="color:black">Possibly that would explain the BECU request for letters and death certificate. This happed with an unfortunate result some year back with one of my probate matters where decedent left a $16K BECU share account
but also had a secured debt held by BECU. I don't recall whether that was a BECU notice/deed of trust or a BECU credit card debt. The share account was decedent's only liquid asset other than equity in decedent's personal residence real property. That cient
needed some of the cash from the BECU account to make the decedent's residence marketable, in which event both the estate and BECU would have benefitted. There would have been a modest surplus to the estate. The PR client (a sole adult child beneficiary)
did not have (or did not want to risk) additional personal funds to make the necessary repairs. BECU would not relent. My client, who had traveled from the east coast and paid attorney fees to open the probate, decided to abandon the estate rather than sink
more personal funds into the fiasco. In today's real estate market things might have been different. My take-away has been to warn modest-means clients about this mixed-benefit situation involving credit unions.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="color:black">Has anyone else experienced this? <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="color:black">Dave Moe<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:9.0pt">David Moe Attorney, P.S.</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:9.0pt">Telephone: 425-432-1277</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:9.0pt">Fax: 425-432-1280</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:9.0pt">23745 225<sup>th</sup> Way SE, Suite 108</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:9.0pt">Maple Valley, WA 98038</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:9.0pt"> </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:9.0pt">Email:
</span><a href="mailto:davidmoe@maplevalleylaw.com" target="_blank"><span style="font-size:9.0pt">davidmoe@maplevalleylaw.com</span></a><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:9.0pt"> </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:navy">CONFIDENTIALITY NOTICE: </span></b><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:navy"> This
communication is intended for the sole use of the individual and entity to whom it is addressed, and may contain information that is privileged, confidential and exempt from disclosure under applicable law. If you have received this communication in error,
please notify this firm immediately by collect call (425)-432-1277, or by reply to this communication.</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
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<p class="MsoNormal"><b><span style="color:black">From:</span></b><span style="color:black">
</span><a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a><span style="color:black"> <</span><a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a><span style="color:black">>
on behalf of Brent Williams-Ruth <</span><a href="mailto:brent@williams-ruthlaw.com" target="_blank">brent@williams-ruthlaw.com</a><span style="color:black">><br>
<b>Sent:</b> Monday, June 26, 2023 5:06 PM<br>
<b>To:</b> WSBA Probate & Trust Listserv <</span><a href="mailto:WSBAPT@lists.wsbarppt.com" target="_blank">WSBAPT@lists.wsbarppt.com</a><span style="color:black">><br>
<b>Subject:</b> [WSBAPT] BECU and Creditor Claim</span> <o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">A funny thing happened on the way to the forum today......<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">I got a letter from BECU after sending them a known creditor notice for my mother's estate. Rather than filing a creditor claim, they send me a document stating that I need to send them my letters
testamentary and a photocopy of the death certificate. <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">Has there been some change to the creditor statute? Have I fallen and hit my head?<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Arial",sans-serif">I cannot recall the total number of creditor's claims filed by BECU in the past - so I am curious as to whether anyone else has received notices like this. It seems strange that they would elect
to send this - noncompliant communication - over actually just sending the creditor's claim. <o:p></o:p></span></p>
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<p><b><span style="font-family:"Times New Roman",serif">Brent Williams-Ruth</span></b><span style="font-family:"Times New Roman",serif"> (pronouns: he/him)<br>
<i>Attorney-At-Law</i></span><o:p></o:p></p>
<p><b><span style="font-family:"Times New Roman",serif">Law Offices of Brent Williams-Ruth, </span></b><b><span style="font-size:7.5pt;font-family:"Times New Roman",serif">a division of BWR Consulting, PLLC</span></b><o:p></o:p></p>
<p><b><span style="font-family:"Times New Roman",serif">Physical Address: 500 S 336th Street, Suite 214; Federal Way, WA 98003</span></b><o:p></o:p></p>
<p><b><span style="font-family:"Times New Roman",serif;color:red">**EFFECTIVE IMMEDIATELY**</span></b><b><span style="font-family:"Times New Roman",serif"> All mail sent through the USPS should be sent to the following address: PO BOX 3319; Federal Way, WA
98063 </span></b><o:p></o:p></p>
<p><span style="font-family:"Times New Roman",serif">Office/Scheduling Phone:<span style="color:#004080"> </span><span style="color:red">(253) 285-7751</span></span><o:p></o:p></p>
<p><span style="font-family:"Times New Roman",serif">Direct:<span style="color:red"> (253) 285-7453</span></span><o:p></o:p></p>
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